Perpetuity Capital

The Perpetuity Capital App is owned and developed by Oracle Marketing Private Limited – a Non-Deposit taking systemically important Non-Banking Finance Company registered and regulated by the Reserve Bank of India.
The Perpetuity Capital App provides customers with simple, accessible and affordable financial services and products. Products available on the Perpetuity Capital App include Commercial Vehicle Loans, Personal Car Loans, Used Car Loans & 2-wheeler loans.
1. COMMERCIAL & PERSONAL VEHICLE LOAN

Personal & Commercial Vehicle loan Terms & Features
✅ Up to ₹10,00,000
✅ Interest rates: 9.99% to 25% per annum
✅ Tenure: 12 to 60 months
✅ Loan amount up to 90% of Ex-Showroom Price
✅ Instant money transfer to bank account or dealer account
✅ 100% digital process
✅ Flexible loan and EMI options
✅ Minimum household income*: ₹3,00,000

❌ No security deposit (collateral)

Example:
Loan Amount: ₹5,00,000
Tenure: 48 months
Interest Rate: 22% (on reducing principal balance interest calculation)
EMI: ₹15,753
Total Interest Payable: ₹15,753 x 48 months - ₹5,00,000 Principal = ₹256,146
Processing Fees (incl. GST): ₹11,800
Disbursed Amount: ₹5,00,000 - ₹11,800 = ₹4,88,200
Total Amount Payable: ₹15,753 x 48 months = ₹7,56,146
Total Cost of the Loan = Interest Amount + Processing Fees = ₹256,146 + ₹11,800 = ₹267,946

*Minimum household income is the aggregate income earned by you, your spouse and any of your unmarried children above the age of 18

2. 2-WHEELER LOANS

Get instant Approval on Bike & Scooter loan & features
✅ Amount: Up to ₹1,00,000 Instant Approval
✅ Interest Rate : Starting at 18% IRR
✅ Tenure: Up to 36 Months
✅ Loan amount up to 90% of On-road Price
✅ Instant loan offer

Developer's Details: Ritayan Pal (Backend Developer), Arijit Dutta (Backend Developer), Arnab Mozumdar (Application Developer)